Savannah is a small city with oak-lined streets, historic architecture and roughly 150,000 people. But between 2016 and 2021, there were almost 52,000 crashes within city limits — about one accident for every three residents, according to 2022 data from the Georgia Department of Transportation.
The city has committed to the Vision Zero plan, which aims to eliminate all traffic fatalities and serious injuries by 2027. Still, it’s best to financially protect yourself with a car insurance policy. We’ve collected real policy quotes from Jerry customers to show the cheapest car insurance rates in Savannah based on factors like your driving record, age, location and how much coverage you need.
Cheapest minimum coverage insurance in Savannah, GA
Here are the cheapest quotes for minimum coverage in Savannah, based on Jerry’s data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $63 | $756 | Progressive | 40 | February 26, 2025 | Savannah, GA | 31419 |
| $70 | $838 | Progressive | 37 | December 11, 2023 | Savannah, GA | 31404 |
| $75 | $897 | Progressive | 47 | January 14, 2024 | Savannah, GA | 31410 |
| $75 | $902 | Progressive | 33 | October 10, 2024 | Savannah, GA | 31401 |
| $76 | $906 | Progressive | 26 | February 2, 2025 | Savannah, GA | 31419 |
| $76 | $910 | Progressive | 62 | January 10, 2024 | Savannah, GA | 31415 |
| $76 | $910 | Progressive | 62 | January 4, 2024 | Savannah, GA | 31415 |
| $77 | $918 | Progressive | 62 | December 31, 2023 | Savannah, GA | 31415 |
| $77 | $920 | Progressive | 62 | January 3, 2025 | Savannah, GA | 31415 |
| $77 | $926 | Progressive | 57 | February 24, 2025 | Savannah, GA | 31419 |
Georgia requires drivers to carry a minimum amount of these coverage types:
- Bodily injury liability of $25,000 per person and $50,000 per incident.
- Property damage liability of $25,000 per incident.
Minimum coverage pays for only others’ injuries or property damage after a crash you cause, but not your own.
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Savannah
Full coverage would cover your own car if it’s damaged because of theft, vandalism or a collision. It would also pay for damage from weather events, including hurricanes and lightning strikes, which are frequent in Savannah according to FEMA’s National Risk Index.
Here are the cheapest quotes for full coverage in Savannah, based on data from Jerry customers.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $63 | $756 | Progressive | 40 | February 26, 2025 | Savannah, GA | 31419 |
| $75 | $897 | Progressive | 47 | January 14, 2024 | Savannah, GA | 31410 |
| $81 | $969 | Progressive | 36 | December 27, 2024 | Savannah, GA | 31406 |
| $81 | $969 | Progressive | 36 | November 6, 2024 | Savannah, GA | 31406 |
| $87 | $1,042 | Progressive | 67 | May 27, 2024 | Savannah, GA | 31419 |
| $90 | $1,076 | Progressive | 37 | December 8, 2024 | Savannah, GA | 31410 |
| $92 | $1,105 | National General | 46 | February 14, 2025 | Savannah, GA | 31419 |
| $93 | $1,120 | Progressive | 63 | October 14, 2024 | Savannah, GA | 31419 |
| $94 | $1,124 | Progressive | 45 | November 10, 2024 | Savannah, GA | 31406 |
| $103 | $1,230 | Progressive | 39 | June 3, 2024 | Savannah, GA | 31410 |
Cheapest car insurance for young drivers in Savannah (18-29 years old)
Young drivers tend to pay more for car insurance because they lack experience on the road, which insurers see as a risk. Fortunately, insurance premiums typically decline as drivers head into their 20s. Here are the cheapest quotes in Savannah for drivers between 18 to 29 years old, according to Jerry’s data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $76 | $906 | Progressive | 26 | No | February 2, 2025 | Savannah, GA | 31419 |
| $81 | $966 | Progressive | 24 | No | October 12, 2023 | Savannah, GA | 31405 |
| $83 | $990 | Progressive | 25 | No | December 15, 2024 | Savannah, GA | 31419 |
| $94 | $1,124 | Progressive | 24 | No | February 29, 2024 | Savannah, GA | 31409 |
| $96 | $1,156 | Progressive | 28 | No | August 8, 2024 | Savannah, GA | 31405 |
Cheapest car insurance for mature drivers in Savannah (30-54 years old)
Drivers who are 30 to 54 years old tend to get lower quotes than younger drivers, but it’s wise to shop around for quotes to ensure you’re paying the lowest rate possible. Here are Jerry’s cheapest quotes for mature drivers in Savannah.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $63 | $756 | Progressive | 40 | Yes | February 26, 2025 | Savannah, GA | 31419 |
| $63 | $756 | Progressive | 40 | No | February 26, 2025 | Savannah, GA | 31419 |
| $70 | $838 | Progressive | 37 | No | December 11, 2023 | Savannah, GA | 31404 |
| $75 | $897 | Progressive | 47 | Yes | January 14, 2024 | Savannah, GA | 31410 |
| $75 | $902 | Progressive | 33 | No | October 10, 2024 | Savannah, GA | 31401 |
Cheapest car insurance for older drivers in Savannah (55+ years old)
Drivers over 54 years old typically pay the cheapest auto insurance premiums, until they reach their 70s. Below are the cheapest auto insurance quotes in Savannah for older drivers, according to Jerry’s data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $76 | $910 | Progressive | 62 | January 10, 2024 | Savannah, GA | 31415 | No |
| $76 | $910 | Progressive | 62 | January 4, 2024 | Savannah, GA | 31415 | No |
| $77 | $918 | Progressive | 62 | December 31, 2023 | Savannah, GA | 31415 | No |
| $77 | $920 | Progressive | 62 | January 3, 2025 | Savannah, GA | 31415 | No |
| $77 | $926 | Progressive | 57 | February 24, 2025 | Savannah, GA | 31419 | No |
Cheapest car insurance for drivers with clean records in Savannah
You’ll typically get the cheapest auto insurance rate if you don’t have infractions, citations or accidents on your driving record. Here are the cheapest car insurance quotes for drivers with clean records in Savannah, based on Jerry’s data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $70 | $838 | Progressive | 37 | December 11, 2023 | No | Savannah, GA | 31404 |
| $75 | $897 | Progressive | 47 | January 14, 2024 | Yes | Savannah, GA | 31410 |
| $76 | $906 | Progressive | 26 | February 2, 2025 | No | Savannah, GA | 31419 |
| $76 | $910 | Progressive | 62 | January 10, 2024 | No | Savannah, GA | 31415 |
| $76 | $910 | Progressive | 62 | January 4, 2024 | No | Savannah, GA | 31415 |
| $77 | $918 | Progressive | 62 | December 31, 2023 | No | Savannah, GA | 31415 |
| $77 | $920 | Progressive | 62 | January 3, 2025 | No | Savannah, GA | 31415 |
| $79 | $944 | Progressive | 70 | October 28, 2024 | No | Savannah, GA | 31419 |
| $80 | $962 | First Acceptance | 33 | October 23, 2023 | No | Savannah, GA | 31419 |
| $81 | $969 | Progressive | 36 | November 6, 2024 | Yes | Savannah, GA | 31406 |
Cheapest car insurance for drivers with low credit scores in Savannah
Georgia allows insurers to use credit scores to set prices for car insurance, and having a lower credit score usually means you’ll pay a higher premium. Every insurer weighs credit scores differently when pricing rates, so rate shopping can help you get the cheapest policy.
Here are the cheapest quotes for drivers in Savannah with credit scores under 550, based on Jerry’s data.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $76 | $906 | Progressive | 26 | February 2, 2025 | Savannah, GA | 31419 |
| <550 | $91 | $1,096 | National General | 46 | February 14, 2025 | Savannah, GA | 31419 |
| <550 | $92 | $1,100 | Progressive | 62 | October 4, 2023 | Savannah, GA | 31405 |
| <550 | $93 | $1,118 | Progressive | 69 | June 16, 2024 | Savannah, GA | 31404 |
| <550 | $94 | $1,128 | Progressive | 32 | January 31, 2025 | Savannah, GA | 31404 |
Cheapest car insurance for drivers with at-fault accidents in Savannah
Drivers with at-fault accidents on their records are likely to pay higher premiums. If you’ve recently been in an accident, compare quotes from multiple companies to find the lowest rate. Below are the cheapest quotes for drivers in Savannah with an at-fault accident on their records, based on Jerry’s data.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $63 | $756 | Progressive | 40 | Yes | February 26, 2025 | Savannah, GA | 31419 |
| At Fault With No Injury | $63 | $756 | Progressive | 40 | No | February 26, 2025 | Savannah, GA | 31419 |
| At Fault With No Injury | $78 | $932 | Progressive | 32 | No | March 8, 2025 | Savannah, GA | 31404 |
| At Fault With No Injury | $90 | $1,076 | Progressive | 31 | No | September 19, 2024 | Savannah, GA | 31404 |
| At Fault With No Injury | $96 | $1,146 | National General | 55 | No | September 1, 2024 | Savannah, GA | 31406 |
Cheapest car insurance for drivers with speeding tickets in Savannah
Your insurance premium will likely increase if you receive a speeding ticket, but the increase depends on the speed you were cited at. Each insurer penalizes these violations differently, so shopping around for the best quote can help you keep insurance costs as low as possible.
Here are the cheapest quotes that Jerry customers in Savannah with speeding tickets have received.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $75 | $902 | Progressive | 33 | October 10, 2024 | Savannah, GA | 31401 |
| Speeding under 15 | $77 | $926 | Progressive | 57 | March 1, 2025 | Savannah, GA | 31419 |
| Speeding under 15 | $78 | $932 | Progressive | 32 | March 8, 2025 | Savannah, GA | 31404 |
| Speeding over 15 | $87 | $1,048 | Progressive | 35 | September 28, 2024 | Savannah, GA | 31415 |
| Speeding over 15 | $98 | $1,176 | First Acceptance | 40 | May 7, 2024 | Savannah, GA | 31419 |
Cheapest car insurance for drivers with DUIs in Savannah
Insurers will likely increase your premiums if you receive a DUI citation, while some insurers will decline to issue a policy altogether. Shopping around after a DUI can help you find an insurer that can offer you the coverage you need at the lowest price possible. These are the cheapest quotes that drivers in Savannah with DUIs have received from shopping with Jerry.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $162 | $1,946 | Bristol West | 49 | February 5, 2025 | Savannah, GA | 31401 |
| DUI | $170 | $2,034 | Bristol West | 49 | December 1, 2024 | Savannah, GA | 31401 |
| DUI | $173 | $2,074 | National General | 46 | February 27, 2025 | Savannah, GA | 31415 |
| DUI | $221 | $2,646 | First Acceptance | 49 | December 1, 2024 | Savannah, GA | 31401 |
| DUI | $224 | $2,688 | Bristol West | 49 | December 8, 2024 | Savannah, GA | 31401 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
